Maechell User

Managed end-to-end reconciliation and booking for a portfolio of 36 commercial lines of credit, leveraging CLS (ACBS), and reducing booking errors by 20%. Interpreted complex loan agreements, ensuring accuracy in booking and regulatory alignment, and collaborated with compliance and development teams to enhance systems for GAAP loan accounting, revenue recognition, and fraud prevention.

Monitored customer accounts for suspicious activity and reported irregularities to relevant authorities, enhancing security measures. Researched and resolved discrepancies in customer account statements, improving customer satisfaction and operational efficiency, and processed non-sufficient funds and direct deposit requests with precision.

Evaluated borrower applications against internal credit criteria and third-party risk guidelines, ensuring compliance with quality standards and Fair Lending practices. Analyzed financial data, including income and credit bureau reports, to support informed loan approval decisions through preliminary underwriting reviews, and identified and escalated inconsistencies to senior analysts.

Managed commercial loan billing inquiries, account adjustments, and credit documentation processing, ensuring accurate financial transactions. Trained junior analysts in credit servicing procedures and compliance documentation, contributing to improved team performance and maintaining audit-ready financial records.

Currently pursuing a Bachelor of Arts in Business Administration. This program focuses on developing a strong foundation in business principles and practices.